LendPoint
A loan management system is software that runs a lender's whole loan lifecycle: onboarding borrowers, loan products, applications and approvals, disbursement, repayment schedules, collections and reporting. LendPoint does this for Kenyan SACCOs, microfinance institutions and digital lenders, with M-Pesa built in.
Scale Lending Operations with Confidence
Loan Management System Built for Kenyan SACCOs and MFIs
LendPoint is a smart, AI-powered loan management platform that helps teams streamline lending and scale with confidence.
SERVICES
What We Offer
LendPoint combines smart automation to simplify lending operations
End-to-end loan management, member tracking, accounting, and AI insights — built to help you automate, grow, and stay compliant.
- Loan Management
- Accounting & Reporting
- AI Powered Insights
- Web, Mobile and USSD Platform
5 +
Years of Experience
PRICING PLAN
Choose a plan that suits you best
Starter Plan
For individual lenders and small MFIs- Full Loans Module
- Accounting & Expenses
- Collections & Reconciliation
- Unlimited Clients & Uploads
- Client Portal & Mobile App
- M-Pesa, Bank, SMS & USSD
- Staff Roles & Field Agents
- Automations & AI Insights
- Multi-Country & Multi-Currency
- Standard Support
POPULAR
Professional Plan
For multi-branch and growing MFIs- Everything in Starter, plus:
- Unlimited Branches
- Branch-Level Staff Access
- Double-Entry Accounting
- Balance Sheet, Cash Flow & P&L
- Advanced Reports
- CBK Reports & Provisioning
- Partner API & Webhooks
- Group Lending
- Priority Support
Enterprise Plan
For large MFIs with a dedicated team- All of Professional, plus:
- Dedicated Account Manager
- 24/7 Priority Support
- Custom Onboarding
- Assisted Data Migration
- Staff Training
- Unlimited Branches & Clients
- Multi-Country & Multi-Currency
- Payroll
- Tax Integration
Starter Plan
Pay yearly and save ~17%- Full Loans Module
- Accounting & Expenses
- Collections & Reconciliation
- Unlimited Clients & Uploads
- Client Portal & Mobile App
- M-Pesa, Bank, SMS & USSD
- Staff Roles & Field Agents
- Automations & AI Insights
- Multi-Country & Multi-Currency
- Standard Support
POPULAR
Professional Plan
Pay yearly and save ~17%- Everything in Starter, plus:
- Unlimited Branches
- Branch-Level Staff Access
- Double-Entry Accounting
- Balance Sheet, Cash Flow & P&L
- Advanced Reports
- CBK Reports & Provisioning
- Partner API & Webhooks
- Group Lending
- Priority Support
Enterprise Plan
For large MFIs with a dedicated team- All of Professional, plus:
- Dedicated Account Manager
- 24/7 Priority Support
- Custom Onboarding
- Assisted Data Migration
- Staff Training
- Unlimited Branches & Clients
- Multi-Country & Multi-Currency
- Payroll
- Tax Integration
Optional KES 10,000 onboarding & migration by our team, free when you upload your own data. No credit card required for your 7-day free trial.
FROM THE BLOG
Loan Management Guides for Kenyan Lenders
- Nov 05, 2026
- 5 min read
Loan Management Glossary: 36 Lending Terms Every Kenyan …
Plain-English definitions of the lending terms Kenyan SACCOs, MFIs and lenders meet most: flat vs reducing balance, APR, STK push, C2B, PAR30, NPLs, in duplum, CRB, NDTCP, Legal Notice 191, SASRA and more.
Read More about Loan Management Glossary: 36 Lending Terms Every Kenyan Lender Should Know
- Nov 04, 2026
- 4 min read
The LendPoint App: A Mobile App for Your …
The LendPoint app gives Kenyan SACCOs, MFIs and lenders a client and staff app on Google Play: balances, schedules, statements and M-Pesa repayments to your own Paybill. Not a lending app, with no contacts or SMS access.
Read More about The LendPoint App: A Mobile App for Your SACCO or Lender's Clients and Staff
- Nov 04, 2026
- 6 min read
The In Duplum Rule in Kenya (2026): How …
The in duplum rule explained for Kenyan lenders: section 44A for banks, regulation 29 of CBK's 2026 rules for credit-only lenders, SACCO rules, how to calculate the cap with KES examples, repeat defaults, court orders and penalties.
Read More about The In Duplum Rule in Kenya (2026): How Much Interest Lenders Can Recover on Bad LoansTestimonials
client's Feedback
Zack Mutua
Director, Sycamore LiquidityLendPoint gave us full visibility into our loan portfolio — disbursements, repayments, and records all in one place.
Anthony Muiruri
Founder, Blessmarked InvestmentsLendPoint simplified how we track loans and reconcile our books. The reporting alone saves us hours every week.
Judy Wairimu
Founder, MMICLendPoint replaced our spreadsheets and paper files — every loan is now tracked in one system our whole team trusts.
Sidney Wakonyo
Director, Copperhorn CapitalM-Pesa repayments now match to each loan automatically, so we know who has paid the same day, not at month end.
FAQ’S
Questions lenders ask before switching
Pricing, M-Pesa, USSD, migration and security. Still unsure? Talk to our team or read the full FAQ.
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What is a loan management system?
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How much does LendPoint cost?The Starter plan is KES 5,000 per month and the Professional plan, for multi-branch lenders, is KES 8,000 per month. Paying yearly saves about 17%. A one-time KES 10,000 onboarding and migration fee applies, and Enterprise pricing is quoted on request.
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Is there a free trial?Yes. Every plan starts with a 7-day free trial, and no credit card is required. You can set up your own loan products and test the full system before you pay.
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Does LendPoint work with M-Pesa?Yes. Approved loans can be sent straight to the borrower's M-Pesa, repayments to your Paybill are matched to the right loan automatically, and you can send an STK push so borrowers pay the exact installment with their PIN.
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Can borrowers without a smartphone use it?Yes. Borrowers can register, check their loan limit, apply, repay and get a mini-statement over USSD on any phone. USSD is on every plan: connect your own USSD code and it's ready to go. Smartphone users also get a self-service web portal, and the LendPoint app for account viewing and repayments.
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Who is LendPoint for?SACCOs, microfinance institutions, digital credit providers and individual lenders in Kenya. LendPoint focuses on lending. For savings, shares and dividends, see our sister product ChamaPoint, with SaccoPoint coming soon.
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Can we migrate our existing loans?Yes, from Excel or another system. Borrowers can be bulk-uploaded, and our onboarding team helps migrate active loans and balances as part of the onboarding and migration package.
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Is our data secure?Each lender's data is kept in its own isolated database, staff access is controlled by role, and every loan action is recorded in an audit log.